We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 71523 results
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Decision Reference DRN0173939
4 Mar 2014 Lloyds Bank PLC Not upheldBanking and creditMrs H complains that she was sold a credit card account in 2004 without any guidance on how to use it properly. She says that this has led to years of charges and interest and wants Lloyds Bank PLC to refund all charges, write off the debt and compensate her for the distress and inconve... (2 pages)View decision -
Decision Reference DRN-2826971
3 Jun 2021 Hoist Finance UK Limited UpheldConsumer CreditDRN-2826971 The complaint Miss D complains that Hoist Finance UK Limited unreasonably delayed updating her credit file in respect of a debt it owned. What happened Miss D tells us that she initially owed a debt to a business I’ll call “B”. She says this debt was later assigned to Hoist. In... (2 pages)View decision -
Decision Reference DRN1220118
11 Feb 2015 Santander Cards UK Limited Not upheldBanking and creditMr D is unhappy with a default that Santander Cards UK Limited has registered on his credit file. backgroundMr D entered into a loan agreement in 2007. He later found it difficult to make the repayments and entered into a debt management plans (“DMP”) in 2010 and 2011. Mr D was unable... (2 pages)View decision -
Decision Reference DRN7456052
28 Mar 2018 Barclays Bank Plc Not upheldBanking and creditMr D complained that Barclays Bank Plc trading as Barclaycard had been irresponsible when it increased his spending limit.backgroundMr D applied for a Barclaycard account. Soon after it was opened Mr D asked for a higher spending limit. He says Barclaycard refused but the... (4 pages)View decision -
Decision Reference DRN-4095969
3 May 2023 The Royal Bank of Scotland Plc UpheldBanking and PaymentsDRN-4095969 The complaint A limited company, while I’ll refer to as P, complains that The Royal Bank of Scotland Plc has unfairly failed to compensate it for consequential losses arising from the bank’s failure to give due consideration to its restructuring proposals. P is legally represen... (5 pages)View decision -
Decision Reference DRN-3812197
17 Nov 2022 Oakbrook Finance Limited UpheldConsumer CreditDRN-3812197 The complaint The complaint Mr P complains through his representative that OAKBROOK FINANCE LIMITED trading as Likely Loans irresponsibly lent him money on high cost loans that he couldn’t afford to repay. What happened Likely Loans provided Mr P with the following loans: Date ... (4 pages)View decision -
Decision Reference DRN-3944428
3 Mar 2023 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-3944428 The complaint Miss P says Barclays Bank UK PLC trading as Barclaycard lent to her irresponsibly and it failed to provide her with the necessary support when she experienced financial difficulties. What happened The facts of the complaint are well known to both parties, so I wil... (4 pages)View decision -
Decision Reference DRN2794493
16 May 2013 HSBC Bank plc UpheldPayment protection insurance (PPI)Mr B complained about the single premium payment protection insurance (PPI) policies he was sold in connection with a loan (loan 3 - account ending **********9181). Following the initial complaint, HSBC Bank Plc agreed to uphold the complaint in connection with this loan and made an offe... (3 pages)View decision -
Decision Reference DRN9883082
12 Feb 2021 HSBC UK Bank Plc Not upheldInvestment and pensionsComplaint A company, which I’ll refer to as S, complains that HSBC UK Bank Plc mis-sold it several interest rate hedging products (IRHPs) and hasn’t paid enough compensation. Background S brings its complaint alongside another which is brought by S’s owner, “Mr D”. Like S’s complaint, Mr D... (14 pages)View decision -
Decision Reference DRN3774176
1 Aug 2017 Santander UK Plc Not upheldBanking and creditMrs G complains that bank charges by Santander UK Plc were unfair and have contributed to her financial hardship.backgroundFrom 2010 to 2013 Mrs G had an unauthorised overdraft with Santander which incurred charges. She said that during 2010 she had a period of time ... (2 pages)View decision
